What is PayID?

Your PayID can be something you already know, that's easy to remember - like your email address, mobile number, financial account details or ABN. You simply add your PayID to your chosen account in Internet Banking or using our Smart Banking App. If you’d like to add an ABN you’ll need to give us a call or pop in to see us.

When you use a PayID to make a payment it is extremely important that you:

  • Have the right PayID details for the payee who you are going to pay;
  • Correctly enter the PayID details for the payment (as provided to you by the payee); and
  • Verify the payee's PayID name that is displayed immediately before you send the NPP Payment.

All our accounts except for Term Investments are PayID and Osko ready.

What is Osko by BPAY?

Osko is fast and it’s 24/7. You can make an Osko payment using a PayID through Internet Banking, Mobile Banking and our Smart Banking App.

Real time payments are here!

Remembering your bank details is enough to give anyone a 'goldfish' moment - seriously, who can remember their BSB and account numbers? But now you don’t have to, instead you just need to link a PayID to your Bank of us account and you'll never need to remember them again.

Guide to making
Osko payments

Things to know
about PayID

What is this thing they call the New Payments Platform (NPP)?

The NPP is the new payments infrastructure that enables faster and more flexible payments, allowing payments to occur in real-time.

The New Payments Platform uses world leading technology certified to the highest of high data security standards and monitored 24 hours a day, seven days a week.

All payments made on the platform will also be subject to our own fraud screening and detection.


Make sure your contact details are up-to-date. Log in to Internet Banking, our SmartBanking App or call us on 1300 306 716.

Both PayID and Osko have their very own websites, jammed full of easy to read info.

Want to dispute a transaction or find out why you're having trouble with your payment? Call us on 1300 306 716.

With the availability of Osko, we have added new clauses for Osko Payments to the Electronic Access Facilities & ePayments Conditions of Use section of our Account & Access Facility Conditions of Use, namely:

  • Section 23 - Using Osko
  • Section 24 - Processing Osko Payments
  • Section 25 - Scheduled & Recurring Osko Payments
  • Section 27 - Authority to Recover Mistaken or Misdirected Payments

The most significant change is Section 27 where you authorise us to recover mistaken or misdirected payments made to your account and return the payment to the payer.  Please note: that you will be bound by these changes when you make your first Osko Payment.